Consider Grinnell Mutual for your auto insurance! This web site will help you make an informed decision in choosing an insurance carrier, and in determining what coverage you and your local independent agent feel are necessary for your protection.

Founded in 1909, the Grinnell Mutual Reinsurance Company has established itself as a leading regional insurer of dependable, competitively priced protection for rural and suburban families.

Our ‘A’ (Excellent) rating by AM Best is one of the highest awarded to any insurance company. This rating is based on financial strength, operating performance, and market profile.

Grinnell Mutual holds to the tradition of the local independent agent offering you, and our customer, professional advice to meet your individual insurance needs. Your agent, one of a network of over 1,300 agents in nine Midwestern states, will recommend appropriate coverages and service your policies as your needs change.

Grinnell Mutual provides outstanding claims service for when those accidents do occur. A 24-hour claims hotline enables you to call from anywhere in the country at anytime to report a loss. Adjusters will assist you in settling your claim, restoring your vehicle, and help provide peace of mind in knowing your claim will be handled by experienced professionals. Grinnell Mutual is a member of the Alliance Glass Network, facilitating prompt repair or necessary replacement of glass, one of the most frequent results of an accident.

Variable limits of insurance are available to you. In consultation with your agent, together you can determine what limits fit your needs and financial abilities.

Available Coverages

Bodily Injury will pay medical and hospital expenses to people injured in an accident for which you are found responsible. If several people are injured, this low-cost insurance provides substantial coverage against financial ruin.

Property Damage will pay for damage to the property of others such as vehicles, buildings, mailboxes, fences, etc., when you are found responsible for that damage.

Uninsured Motorists protects you and other people specified in your policy if injury by a driver without insurance or by a hit and run driver. This coverage also protects you and resident relatives as pedestrians from uninsured drivers.

Underinsured Motorists protects you for bodily injury caused by a driver with some liability insurance, but not enough insurance to pay for all the damages you are legally entitled to collect.

Medical Services Expenses coverage can be very important because of the rising cost of hospital and medical care. Coverage is provided for you and your passengers for injuries resulting from an accident. This coverage is different from bodily injury liability because it pays for injuries to you and your passengers.

Car Damage Coverages

Other Than Collision (commonly referred to as comprehensive) covers most damage to your car other than collision, such as fire, theft, explosion, glass claims, vandalism, or a collision with an animal.

A partial list of covered damage would include fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, or collision with an animal.

Collision pays for damage to your car should you collide with another car or object. It pays for repair costs even when you cause the accident up to the value of your car at the time of the accident, minus your deductible.

When you purchase Collision and Other Than Collision coverages, the policy automatically pays for temporary transportation expenses (rental car) when your car is stolen or disabled due to a covered loss.

We provide up to $20 per day, up to a maximum of $600. Higher limits are available for a minimal charge.

Optional Coverages

In addition to these basic coverages, your agent may recommend one or more of the following:

Travel Pac Endorsement pays up to $250 for meals, lodging, emergency telephone calls, and costs of transportation if a covered loss occurs to your car and you are more than 200 miles from home.

Towing and Labor Costs pays when your auto is disabled. You may choose from limits of $50, $75, or $100.

Auto Loan/Lease Coverage provides coverage for the difference between the unpaid amount due on the loan/lease and the actual cash value of the car.

Death Indemnity pays your spouse or your estate the limit of the coverage purchased if you are fatally injured in an auto accident.

Discounts

Check with your agent to see if you qualify for one or more of these discounts:

Multi-Car Discount – insure more than one car with Grinnell Mutual and save!

Auto/Home Discount – available when your home is insured with a Farm Mutual or Grinnell Mutual.

Good Student Discount – for students age 24 and under who can document a B average or better.

Your agent will provide a quotation of premium upon your request and will explain our varied and flexible billing options designed to fit your individual financial needs.

Remember, your agent is available to answer your insurance questions. Ask for professional advice any time.